Wedding Event Insurance: When Things Don’t Go As Planned

December 28, 2011

A wedding is one of the most important moments in a person’s life. That’s why so much planning and preparation goes into making it a special, memorable day. Unfortunately, all that planning and preparation will not guarantee your big day will go off without a hitch.

You never know what could happen. A tornado or windstorm could force you to postpone your wedding event. The caterer might not show up. Your wedding venue could go out of business a month before the ceremony and you lose your deposit.

Life is unpredictable, and with all that goes into a putting on big event like a wedding, hurdles are bound to arise. Thankfully, Burkhart Insurance Agency is now offering the Wedding Protector Plan from Travelers Insurance.

What is the Wedding Protector Plan?

The Wedding Protector Plan is an insurance policy that helps relieve some of the stress that comes with planning a large event, like a wedding, anniversary party, bridal showers, bar/bat mitzvah, or other event.

So if something goes wrong—let’s say the best man loses the wedding bands—the Wedding Protector Plan provides replacement cost for the jewelry because it was specifically purchased for personal decoration of the bride and groom, the event honorees.

The Wedding Protector Plan provides protection for a variety of situations, including:

  • Cancellation/Postponement. Provides coverage for certain deposits in the event of a necessary cancellation or postponement of the event.
  • Special Attire. You can receive repair or replacement cost if the honoree’s event attire is lost or damaged.
  • Lost Deposits. If a vendor goes out of business, declares bankruptcy before your event, or simply fails to show up and you lose your deposit, the Protector Plan for Events can help reimburse you.
  • Special Jewelry. You can receive repair or replacement cost for jewelry purchased or rented specifically for personal decoration of honorees on the event date or up to seven days prior to the event.
  • Severe Weather. If severe weather (such as a hurricane) forces you to postpone your event, we can provide reimbursement for non-recoverable expenses.
  • Transportation Shutdown. If you have to postpone the event because a commercial transportation shutdown prevents the honoree, parents, grandparents or children from getting there, you can receive reimbursement for non-recoverable expenses.
  • Ruined Photos/Video. If your photographer’s film is defective, or negatives are lost or damaged, we can help cover the cost to re-take new photos.
  • Call of Duty. If the honoree is unexpectedly called up to active duty, or has her or his military service leave revoked, forcing you to postpone the event, we can provide reimbursement for non-recoverable expenses.
  • Damaged Gifts. You can get repair or replacement cost if your event gifts are damaged.
  • Sudden Illness. If the event needs to be postponed because sudden illness prevents the honoree, their parents, grandparents or children from attending, you can receive reimbursement for non-recoverable expenses.
  • Venue Requires Insurance. As an additional option to your policy, you can add liability coverage to protect yourself in case a guest is injured or causes damage to property.
  • Liquor Liability. As an individual liability option to your policy, you can add this coverage to protect yourself against liability arising from alcohol-related occurrences (subject to policy conditions and exclusions).
  • Additional Expense. If a vendor suddenly becomes unavailable for your event but you can find a last-minute replacement, we can reimburse you for the difference in cost.

When your wedding day arrives, will you be prepared for the unexpected?

Probably not. But with the Wedding Protector Plan from Travelers Insurance, you’ll at least have a backup plan in place that could save you from some unexpected costs that arise when things go awry.

Do yourself a favor and relieve at least some of the stress that comes with planning a wedding by talking with an insurance agent about Wedding Event Insurance. So you can sit back and enjoy the party.

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